West Bank Personal Banking

West Bank Personal Banking consists of a host of financial services and facilities like Personal Checking Accounts Services, Savings and Investments Facilities, Loans and Credit Line Facilities, Card Services, Mortgage Loan Services and Other Services. West Bank Personal Banking also provides Online Personal Banking Facility to their customers.

Personal Checking Accounts West Bank Personal Banking Services offer their customers a wide range of Personal Checking Accounts. Customers can choose according to their personal needs and preferences.
The different types of Personal Checking Accounts provided by West Bank are the following:

Preferred Banking Account Beneficial Features:

Interest Rates on the checking balances of this account are tiered. So, the account holders can earn good amount of money as interest.
Account holders are provided with free debit card.
Customers are entitled to unlimited withdrawal facility.
Account holders get the facility of ATM Banking totally free of cost.
Customers enjoy the facility of Free Automatic Transfers.
Account holders are provided with Free Travelers Checks and official Checks.
Customers are given one box of Preferred Banking printed checks every year. If the customers want to have check facility in some other style, they are provided with that at a discounted rate.
Account holders can choose from the facilities of check safekeeping or cancelled check return. There is no monthly charge for these facilities.
Account holders are offered a small safe deposit box with the account. This safe deposit box facility comes totally free of cost for the first year. If the account holders wish to get a safe deposit box of larger size, they are given that at a discounted rate.
Customers enjoy the facility of Internet Banking. Using this internet banking services they can make free bill payments.

Household Checking Account

Beneficial Features:

This traditional account is just perfect for serving the household needs.
Account holders get no Annual Fee debit card along with the Household Checking Account.
Account holders get the facility of unlimited withdrawals.
Customers are offered a small safe deposit box with the Household Checking Account. This safe deposit box facility comes totally free of cost for the first year. If the account holders want a safe deposit box of larger size, they are provided with that at a discounted rate.
Account holders can choose from the facilities of check safekeeping or cancelled check return. For the selected facility they are required to pay $2 per month.
Customers enjoy the Internet banking facility with Household Checking Account.

Income Checking Account

Beneficial Features:

This Income Checking Account provides tiered interest rates on checking balances of the account.
Account holders get the chance of earning premium interest rates if the collected balance is above $25000.
Customers are provided with free debit card along with the account.
Account holders are entitles to use ATM Banking facility without paying any fees.
Customers get the facility of free automatic transfers.
Account holders can choose from the facilities of check safekeeping or cancelled check return. For the selected facility they are required to pay $2 per month.
Customers can access their accounts using Internet banking services of West Bank. They can pay their bills free of cost using online services.
Account holders enjoy unlimited withdrawal facility.

Senior Checking Account

Features:

This account is specially designed for the people of 55 years of age and above that.
Account holders get No Annual Fee debit card along with this Senior Checking Account.
Customers are entitled to enjoy unlimited withdrawal facility.
Account holders are provided with special grey checks.
Account holders are offered a small safe deposit box with the account which comes totally free of cost for the first year. If the account holders wish to get a safe deposit box of larger size, they are given that at a discounted rate.
Customers can enjoy the Internet banking facility of West Bank. They can access their account, check the account balance, view transaction details using the online services.
Account holders can choose from the facilities of check safekeeping or cancelled check return. For the selected facility they are required to pay $1 per month.

Interest Checking Account

Beneficial Features:

Account holders can earn a lot through this Interest Checking Account as this account has the system of tiered interest rates on checking balances.
Customers can enjoy unlimited withdrawal facility.
Account holders can choose from the facilities of check safekeeping or cancelled check return. For the facility they have to pay $1 per month.
Customers are entitled to use the Internet banking facility provided by West Bank. Using this facility they can access their account any time through online services.

Value Checking Account

Beneficial Features:

This account is perfect for the people who don�t require writing too many checks.
Account holders get the golden opportunity of 20 free debits per month.
Customers can avail check safekeeping facility totally free of cost.
Account holders get Internet banking facility so that they can access their account online.

Savings and Investment Facility West Bank Personal Banking Savings and investment Facility consists of different Savings Accounts, Certificates of Deposit and other Investment Services.

Savings Accounts offered by West Bank Personal Banking are the following:

Regular Savings Account

Opting for this type of savings account, people can earn interest even if they don�t keep a substantial amount of money in their account.

Account holders are not required to pay any monthly fee if they maintain the required minimum balance in their account.

Account holders enjoy the opportunity of earning interest in five Balance Tiers. The five Balance Tiers are:
Tier 1: Below $1000
Tier 2: $1000-$4999
Tier 3: $5000-$9999
Tier 4: $10,000-$24,999
Tier 5: $25,000 or more

Money Market Savings Account

Account holders can earn the most competitive rate of interest with growing account balances.

Account holders are required to pay no monthly fee if they maintain the required minimum balance in their account.

Holders of Money Market Savings Account can earn interests on their account balance according to the following six Balance Tiers:
Tier 1: Below $1000
Tier 2: $1000-$4999
Tier 3: $5000-$9999
Tier 4: $10,000-$24,999
Tier 5: $25,000-$99,999
Tier 6: $100,000 or more

Preferred Money Market Savings Account

Account holders can earn higher interest rates by maintaining higher balances in their accounts.

Holders of Preferred Money Market Savings Account are required to pay no monthly fee if they maintain the required minimum balance in their account.

Account holders can earn interest rates according to the following six balance tiers:
Tier 1: Below $50,000
Tier 2: $50,000-$99,999
Tier 3: $100,000-$499,999
Tier 4: $500,000-$999,999
Tier 5: $1,000,000-$4,999,999
Tier 6: $5,000,000 or more

Certificate of Deposit

West Bank Personal Banking offers two types of Certificates of Deposits or CDs which are the following:
1.CDs

Beneficial Features:

CDs offer great earning potential without involving risk.

Customers can choose flexible terms for their CDs from 90 days to 62 months.

Customers can select from a range of FDIC insured CDs. 2.Flex CDs Beneficial Features:

These Flex CDs are much more beneficial than the traditional CDs as these offer variable rate of interest.

Customers can add funds to their existing Flex CDs during the one year term.

Adding funds to Flex CDs are very easy just like depositing funds to savings accounts.

Customers can add funds to Flex CDs any time with minimum $500.

Customers get the excellent option of 25% withdrawal from the principal balance of their Flex CDs, if they require the amount.

They can make this withdrawal once in every calendar quarter and they are not required to pay off any penalty if the remaining balance does not fall below $5000.

Interest rate on the Flex CD is linked to the targeted federal funds rate.

Customers are offered bonus rates if the amount of deposits exceeds $1 million.

Other Investment Services Other Investment Services by West Bank include Investment Management Services and Personal Trust Services.

Investment Management Services

West Bank provides customized portfolio management services to individuals, corporations, municipalities and govt. agencies.

West Bank also offers different retirement plans and endowment plans.

West Bank provides investment strategies that efficiently control risk capitalizing on long term economic, cultural and demographic trends.

The investment plans offered by West Bank focus on the long term view of financial markets and involve risk aware portfolio construction.

Customers enjoy outstanding customer service facility.

Personal Trust Services

West bank offers a wide range of Personal Trust Services including:
- Living and Testamentary Trusts
- Estate Planning Services
- Custodial Services
- Conservatorships

Loans and Credit Line Facilities
Loans and Credit Line Facilities of West bank Personal Banking Services consists of Personal loan and home equity loan.

Personal Loans

West bank personal loans are available at competitive interest rates with flexible repayment terms.
West bank personal loans are approved very fast; even the loans can be approved on the spot.
West bank personal loans include:
- Automobile loans
- Home improvement loans
- Debt consolidation loans
- Educational Loans
- Loans for vacations

Home Equity Loan or Home Equity Line of Credit

Customers who take West Bank Home equity Loans get the benefit of Two Payment Options.

Interest rates on the Home Equity Loan are linked to loan-to-value ratio.

Customers can access the loans online or by phone or mail.

The customers can get the facility of tax deductible interests.

Card Services Under the Card Services, the West Bank Personal Banking provides mainly two types of Visa Credit card and one Visa Gift Card.

The Visa Cards offered by West Bank are the following:

1.Low Rate Visa Classic Credit Card

Beneficial Features:

Card holders are offered 0% introductory rate on purchases and balance transfers for first four months from the date of opening of card account.

Card holders are not required to pay annual fee for the first year.

They can get the facility of No Annual Fee even after the first year if they use their Visa Classic Credit Card at least four times per year.

After the period of 0% introductory APR(Annual Percentage Rate) is over, the card holders are charged with interest rate as low as 14.20%.

2.Platinum Visa Rewards Credit Card

Beneficial Features:

Card holders are offered 0% introductory rate on purchases and balance transfers for first four months from the date of opening of card account.

After the period of 0% introductory APR(Annual Percentage Rate) is over, the card holders are charged with interest rate as low as 15.20%.

Card holders get the opportunity of earning points with everyday purchases made with the Platinum Visa Rewards Credit Card.

These earned points can be redeemed for Gift Certificates, Branded Merchandise and for a wide range of Travel and Airline options. For both the Visa Classic Credit Card and Platinum Visa Rewards Credit Card the Grace Period is 25 days and Method for calculating balances for purchases is Average Daily Balance Method.

3.DeluxeCard Visa Gift Card

Beneficial Features:

The DeluxeCard Visa Gift Card is a prepaid card which can be a perfect gift for any occasion.

This card is accepted all over the world wherever Visa Debit Cards are accepted.

DeluxeCard Visa Gift Card is available in amounts up to $500.

The Gift Card is available in various designs and personal message also can be imprinted on the card. So, these cards are ideal as gifts.

Mortgage Loan Services Mortgage Loan Services of West Bank contains different types of Mortgage Loans.

Fixed Rate Mortgage Loan

This Fixed Rate Mortgage Loan is ideal for the persons who want to live at one place for an extended period and is not affected by interest rate fluctuations.

This type of mortgage loans offer stability and consistency of the monthly principal and interest payments.

West Bank Fixed Rate Mortgage Loans are offered with 10 to 30 years repayment terms.

These mortgage loans come with various down payment options.

Variable Rate Mortgage Loans

This Variable Rate Mortgage Loans are ideal for the persons who plan of changing the house within 5 to 7 years and expect that their

income will rise during the term of the loan.

These mortgage loans come with 10 to 30 years of repayment term.

The other Mortgage Loans offered by West Bank are:

FHA Mortgage Loans

Construction Loans

Jumbo Mortgage Loans

Other Services provided by West bank are the following:

Automatic Transfer Services

No annual fee is required for West Bank Automatic transfer.

West Bank Savings Account and West Bank Money Market Account can be linked.

Automatic Transfer to Preferred Banking Account and Income Checking Account is free.
Automatic Deposits

Monthly pension, monthly salary and any social security payment can be automatically and directly deposited to West bank account.
Automatic Payments

One can have the facility that certain payments are automatically deducted from the West bank checking account every month. Using this service, customers can pay their Insurance Bills, Credit card bills, telephone bills at much ease.